Tuesday, November 30, 2010

How to get refund from IRCTC for failed transaction?

IRCTC (Indian Railway Catering and Tourism Corporation Limited) is a Government of India Enterprise that offers online booking of rail tickets in India. Everyday hundreds of thousands of people book their tickets using internet via IRCTC. IRCTC offers a variety of payment methods for online ticket reservation.

I have booked many tickets using IRCTC in the past. But last week i booked bulk tickets for my friends for a goa trip. I used my Karur Vysya Bank Debit card for payment. IRCTC offers a number of payment gateways powered by CITI bank, HDFC bank, Axis Bank etc.

Amount Debited from account and Ticket not booked, what happened? Can i get a refund.

Online payment is a complex process that involves a number of stages. Your ticket will be booked successfully if only all the stages are completed. If a stage fails in the process your ticket will not be booked. For example if you give wrong CCV number / expiration date your payment via Credit card / debit card will not complete. In that case a Settlement Failed entry will be posted in Refund Status of Failed Transaction in My Transactions section of your IRCTC account. This part will have S.nO, Transaction ID, Pay Status (settlement failed/settlement requested), Reservation status, Total Amount and Bank.

If settlement Failed is shown you can ignore it as no amount is debited from your account. In case amount is debited from your account and no ticket is booked a 'settlement requested' status will be shown. In that case IRCTC will refund your amount in few days.

What to do? Whom to contact to get the refund? Should i contact IRCTC or my Bank?

I got an email indicating that my payment was refunded. The following is the email i got from IRCTC

The refund of Rs. for the transaction tried by you under reference no.xxxxxxxx which has failed and later found that the payment has been debited to your credit card account has been credited to your card account at 30-Nov-2010 .
We suggest you to please retry the transaction, if not booked already. The booked tickets history can be checked to view the list of all tickets booked by you.
Warm regards,

So don't panic if amount is debited and no ticket is booked in IRCTC website.

Great Post Sir......Thanks for such usefull information..One thing i want to confirm.when we make payment from Credit Card then on which account irctc refund the money if transaction is failed or we make cancellation of ticket?

Sir,In my pay status it is showing "settlement requested", but on clicking the transaction ID it is showing that "Payment Not Received From Bank". What does this mean and what should I do.bhardwajankush18@gmail.com